No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 58-0469845 NONE | Contract Administrator; Claims processing Service code 12 | — | $1.4M |
| UMR EIN 39-1995276 NONE | Contract Administrator; Claims processing Service code 12 | — | $271K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing; Contract Administrator Service code 12 | — | $198K |
| EMPYREAN BENEFIT SOLUTIONS EIN 20-3029813 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $198K |
| TOWERS WATSON EIN 26-0775680 NONE | Contract Administrator Service code 13 | — | $78K |
| VSP EIN 36-3560825 NONE | Contract Administrator Service code 13 | — | $33K |
| DELTA DENTAL EIN 94-2761537 NONE | Contract Administrator; Claims processing Service code 12 | — | $31K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,800 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 2 | $24K |
| Vision | VISION SERVICE PLAN | 385 | $33K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 2,871 | $2.8M |
| Other | ZURICH AMERICAN INSURANCE COMPANY | 84 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,871 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.